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Since there is no equity in the home, there does not appear to be a risk of you losing the house as a result of your former girlfriend's bankruptcy
Typically this type of situation would result in relieving your former girlfriend from liability under the loan but would not affect your ownership interest in the property.
After she has received a discharge from the bankruptcy court
, you may want to ask your former girlfriend to quitclaim her interest in the property to you. This will enable you to own 100% of the property on which you are paying the loan
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